Call reports 2025
WALTERS BANK AND TRUST COMPANY — 2025
What WALTERS BANK AND TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 65,415,000 | 65,919,000 | 66,042,000 | 69,569,000 |
| Total loans | 36,780,000 | 32,452,000 | 32,437,000 | 38,294,000 |
| Allowance for loan losses | 467,000 | 468,000 | 469,000 | 571,000 |
| Securities available for sale | 22,038,000 | 21,215,000 | 20,368,000 | 20,458,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,655,000 | 52,637,000 | 52,248,000 | 55,835,000 |
| Interest-bearing deposits | 33,591,000 | 34,258,000 | 34,274,000 | 35,659,000 |
| Noninterest-bearing deposits | 19,064,000 | 18,379,000 | 17,974,000 | 20,176,000 |
| Equity capital | 12,657,000 | 13,178,000 | 13,636,000 | 13,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 795,000 | 1,606,000 | 2,430,000 | 3,280,000 |
| Interest expense | 85,000 | 169,000 | 255,000 | 342,000 |
| Net interest income | 710,000 | 1,437,000 | 2,175,000 | 2,938,000 |
| Noninterest income | 65,000 | 129,000 | 195,000 | 294,000 |
| Noninterest expense | 485,000 | 903,000 | 1,386,000 | 2,184,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 150,000 |
| Pretax income | 240,000 | 613,000 | 934,000 | 898,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 240,000 | 613,000 | 934,000 | 898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,274,000 | 13,647,000 | 13,967,000 | 13,932,000 |